insurance question

Discussion in 'Business Operations' started by wheeling22, May 23, 2004.

  1. wheeling22

    wheeling22 LawnSite Member
    Posts: 9

    I have been in business for a couple of years (part time) and have no insurance. I have 15 lawns (mostly elderly ladies).
    My question is, How do I go about getting insurance and what kind of insurance and about how much is it.

  2. lawnman_scott

    lawnman_scott LawnSite Fanatic
    Posts: 7,547

    Call insurance agents for a quote on general liability insurance. It varies depending on area, company, and amount of coverage. You will probably be ok with $300,000/$600,000. That is $300,000 per accident with a $600,000 total cap per year.
  3. mtdman

    mtdman LawnSite Gold Member
    Posts: 3,137

    Getting insurance is super easy, nothing to procrastinate about or worry about. Find a commercial insurance agent, get the insurance in place, and put yourself at ease.
  4. TSM

    TSM LawnSite Senior Member
    from MA
    Posts: 707

    yep, easy

    call the people you have your auto/truck insured with, they will surely help you

    one word of advice, no need to be 'over insured' The 300,000/600,000 advice given above is good.
  5. Johnson

    Johnson LawnSite Member
    Posts: 47

    As stated above, it's a rather easy process. I have 1 million in coverage and pay $505.00 per year including coverage for theft of my equipment and coverage for an employee.
  6. tiedeman

    tiedeman LawnSite Fanatic
    from earth
    Posts: 8,745

    I do have to agree that liability insurance is one of the cheapest, yet best investment for your company
  7. Team Gopher

    Team Gopher LawnSite Platinum Member
    from -
    Posts: 4,041

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